Underwoods Garage (Tiptree) Limited: FCA regulated?

Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Agent for 11 years
No FCA actions
Active company since 1981
Your funds are not FSCS protected

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 310845 →.

The FCA register does not name a principal for this firm.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Underwoods Garage (Tiptree) Limited Reference number: 310845 Authorised

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

No website on the FCA register
Phone number

01621 817781
Address

Cornard Road, Sudbury, Suffolk, CO10 2XA, United Kingdom

In the full report: 2 background checks

What kind of line 01621 817781 is
Who else gives the postcode CO10 2XA

Past FCA permissions and consumer protection

Protection works through the principal
This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 01590739 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 October 1981 (45 years old)
Registered office: 5 Church Road, Tiptree, Essex, CO5 0LG
Nature of business: Sale of new cars and light motor vehicles (SIC 45111)
Sale of used cars and light motor vehicles (SIC 45112)
Maintenance and repair of motor vehicles (SIC 45200)
Retail trade of motor vehicle parts and accessories (SIC 45320)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Carolyn Ann O'Keeffe	Director	Oct 1959	Not published	2 other companies
Gerald Wiggins	Director	Oct 1952	Not published	2 other companies
Gerald Wiggins	Secretary	Not published	18 Mar 1994	2 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 2
closed down: 2
run together: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 companies these 2 directors run together

Key dates in its history

Underwoods Garage (Tiptree)’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

Gerald Wiggins took control (75–100% of shares)

Companies House

2015

27 May 2015

Status on the FCA register became "PSD Agent"

FCA register

1981

12 October 1981

Incorporated at Companies House

Companies House

Get the full report on Underwoods Garage (Tiptree)

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

2 other companies its directors have run, named
2 background checks on its contact details

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Frequently asked questions about this firm

Is Underwoods Garage (Tiptree) Limited FCA authorised?

Underwoods Garage (Tiptree) Limited (FRN 701461) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.

What is Underwoods Garage (Tiptree)’s phone number?

The FCA register lists the phone number 01621 817781 for Underwoods Garage (Tiptree). If you were given different contact details, use these to check with the firm before going any further.

Is Underwoods Garage (Tiptree) a scam or clone?

Underwoods Garage (Tiptree) is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Underwoods Garage (Tiptree)?

Underwoods Garage (Tiptree) is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.

Who owns Underwoods Garage (Tiptree)?

Companies House lists one person with significant control of Underwoods Garage (Tiptree): Mr Gerald Wiggins (75–100% of shares).

Who runs Underwoods Garage (Tiptree)?

Companies House lists 2 directors of Underwoods Garage (Tiptree): Carolyn Ann O'Keeffe and Gerald Wiggins.

How long has Underwoods Garage (Tiptree) been in business?

The company was formed on 12 October 1981.